Car Insurance - Carriage of Parcels to Courier - Business Use?

JaseyD

Hi
I will be selling on eBay, and taking parcels to a courier's access point like a shop or to a Post Office. I will also be collecting items I have bought from suppliers or private sellers. I would estimate this use would be around 10% of my total mileage.
Can anyone tell me if class 1 business use (SDP & Commuting + Business) on a car insurance policy would cover me? I'm not looking for the items to be covered, just the use of my car in those circumstances.
Also what if the journeys are dual purpose, ie dropping parcels to an access point / shop, but buying for example groceries from the shop?
Thanks

user1977

I'm guessing you mean you operate a business which sells/buys on eBay, but maybe you could clarify?

JaseyD

Hi, yes to be buying / selling mainly on eBay. I wonder how other eBay traders, or traders on any other online selling platform for that matter, are set up with their car insurance for when they collect / deliver parcels from access points / couriers / Post Offices etc?
Thanks

Sandtree

Ordinarily not as you are delivering goods (even if its to a single point) however speak to your preferred insurer and see what they say. 

lisyloo

I recently got business insurance and it didn't cost me anything extra over and above SDP

JaseyD

lisyloo said:

I recently got business insurance and it didn't cost me anything extra over and above SDP

Thanks - are you carrying goods, and does the business element cover you for that? Is the extra cover class 1, 2 or 3 do you know?
Thanks again